Home Mortgage Disclosure Act (HMDA) Aggregation Master Data

The Pre-1990 HMDA Aggregation Data were prepared annually during this period by the FFIEC on behalf of institutions reporting HMDA data. The Aggregation Data consists of home purchase and home improvement loans that a depository institution originated or purchased during each calendar year. The collected HMDA data were individually aggregated up to the tract level by the reporting depository institution and submitted accordingly to the FFIEC. Individual records are the summary of loan activity for the specified respondent for the indicated census tract except when the census tract numbers were either 888888 or 999999. The 888888 tract records are the sum of all loan activity by the reporter outside of the MSA being reported, but not appearing in any other MSA report. The 999999 tract records are the consolidated county summary data for loans made in untracted counties or counties with 1980 total population less than 30,000. The 1988 and 1989 Aggregation Data files include aggregated data from nondepository institutions, specifically mortgage banking subsidiaries of bank holding companies.

1990年以前的住房抵押贷款披露数据（Home Mortgage Disclosure Act，HMDA）汇总数据集，由联邦金融机构检查委员会（Federal Financial Institutions Examination Council，FFIEC）代表提交住房抵押贷款披露数据的金融机构，在此期间逐年编制完成。该汇总数据集涵盖存款机构在每个日历年度内发放或收购的住房购置贷款与住房修缮贷款。上报的住房抵押贷款披露数据将由提交报告的存款机构单独汇总至普查分区（census tract）层级，并据此报送至联邦金融机构检查委员会。除普查分区编号为888888或999999的记录外，单条数据记录均为指定报送机构在对应普查分区内的贷款活动汇总情况。其中，普查分区编号888888的记录，代表报送机构在本次上报的都会统计区（Metropolitan Statistical Area，MSA）之外、且未出现在其他都会统计区上报数据中的全部贷款活动总和；普查分区编号999999的记录，则为未划分普查分区的县，或1980年总人口不足30000人的县内发放贷款的合并县级汇总数据。1988年与1989年的汇总数据文件还纳入了来自非存款机构的汇总数据，具体为银行控股公司旗下的抵押贷款银行子公司相关贷款数据。